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Consumers all over the country have sued Transworld Systems for violations of the Fair Debt Collection Practices Act (FDCPA) and for other unfair and abusive collection practices. 

In a case brought an Illinois federal court, a class of consumer debtors accuses Transworld Systems of the unauthorized collection of debt in violation of the Fair Debt Collection Practices Act and the Illinois Collection Practices Act. See Galvan v. NCO Portfolio Management, Inc, et al., 2012 U.S. Dist. 128592 (E.D. Ill., September 11, 2012). 

In another case brought a federal court in Alabama, a consumer-debtor accuses Transworld Systems of the civil tort of wantonness in connection with one of its employees’ collection practices. See Lindsay v. Transworld Systems , 2012 U.S. Dist. LEXIS 129866 (N.D. Ala., September 12, 2012). Specifically, Plaintiff alleges that the employee in question left multiple voicemail messages for her without identifying herself as debt collector or stating that she was attempting to collect a debt. Based on these allegations, the Court to grant summary judgment NCO Financial System’s favor. 

In a federal case filed in Pennsylvania, plaintiffs claimed that a privacy notice that NCO Financial sent to debtors was “deceptive, false and misleading” and that the company threatened legal action that could not be taken, both in violation of the Fair Debt Collections Practices Act (FDCPA). See Smith v. Transworld Systems, 2009 WL 1675078 (E.D. Pa. 2009). The privacy notice stated that NCO Financial collected non-public information about consumers from employers and others. As the Court noted, the FDCPA expressly prohibits debt collectors from such conduct, and therefore, NCO Financial’s motion to dismiss the lawsuit brought by these consumers was denied. 

An Illinois federal court similarly found NCO Financial’s correspondence with a debtor consumer to be “deceptive as a matter of law,” and therefore a violation of the FDCPA. The Court granted summary judgment in favor of the consumer debtor, forcing NCO to pay for its unfair and deceptive debt collection practices. See Allen v. Transworld Systems, 2002 WL 1291791 (N.D. Ill. 2002). 

A New York federal court ruled that Transworld Systems failed to adequately identify itself as a debt collector in messages left on a consumer’s answering machine, a violation of the Fair Debt Collections Practices Act (FDCPA). See Foti v. Transworld Systems, 424 F. Supp.2d 643 (S.D.N.Y. 2006). The Court further ruled that NCO Financial System’s supposed repeated demands for payment and threats of “continuous demands for payment absent immediate remittance” was improper under the Fair Debt Collections Practices Act (FDCPA) and refused to dismiss the case against NCO Financial Systems. 

A lawsuit was filed against NCO Portfolio Management, alleging that NCO and its attorneys sued a consumer on a debt that was outside the statute of limitations (i.e. “time-barred”), unlawfully proceeded with the case in New York Civil Court after the consumer made clear that he lived in Texas and had not been served, filed court papers that had not been meaningfully reviewed by an attorney, and filed affidavit(s) that falsely claimed personal knowledge regarding the account, all in violation of the Fair Debt Collection Practices Act (FDCPA) and other consumer protection statutes. 

Are you being sued or harassed by NCO Financial Systems? 

If you are being sued by Transworld Systems or its representatives, or are suffering debt collection abuse or harassment at the hands of Transworld Systems, contact me at (888) 877-5103.


Contact Debt Collection Defense Lawyer, N. James Turner at The Debt Relief Law Center by Calling Toll Free 1.888.877.5103 to Schedule a Confidential and FREE Legal Consultation.

Orlando Debt Collection Defense Lawyer, N. James Turner proudly serves the Debt Collection Defense and Consumer Rights legal needs for residents of Orlando, Kissimmee, Orange County, Osceola County, Seminole County, and throughout Central Florida.

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Attorney N James Turner


Orlando Consumer Rights Lawyer - providing aggressive and affordable professional services to consumers who have been victims of debt collection harassment by debt collectors and Credit Repair, to residents in Orlando, Kissimmee, and throughout the Central Florida Area.

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